Golden Hill Estate Home Loan and Financing Guide

Securing a home loan for Golden Hill Estate properties on Li Hwan Drive requires understanding Singapore's financing rules, current rates, and D19 market dynamics. Homejourney provides verified data and tools to help you finance your Golden Hill Estate for sale purchase safely and confidently.[7]

Golden Hill Estate Overview: Freehold Landed in D19

Golden Hill Estate is a prestigious freehold landed development in District 19 (Serangoon, Hougang) along Li Hwan Drive and Mei Hwan Drive, featuring terraced houses, corner terraces, and semi-detached units.[1][2] Built around 1970 with approximately 355 units, it offers spacious layouts from 1,057 sqft to over 5,300 sqft built-up, on land plots up to 5,130 sqft.[1][2][3] Buyers appreciate its quiet enclave setting, family-friendly vibe, and strong investment potential in a maturing estate.[7]

Current sale prices range from S$1,333 psf to S$3,016 psf, with absolute prices between S$1.4M to S$16M depending on unit size and type.[2][3][5] As a freehold asset, it appeals to long-term owners and investors. For detailed listings, view all units for sale at Golden Hill Estate on Homejourney.

Available Units for Sale and Price Expectations

Popular units include 4-5 bedroom corner terraces (2,000-5,300 sqft built-up, S$1,700-S$3,000 psf) and semi-detached homes (3,500+ sqft, around S$1,400-S$2,600 psf).[2][4] Recent examples: A 5-bed corner terrace at Li Hwan Drive (5,300 sqft built-up, 2,520 sqft land) at S$3,016 psf; a 4-bed terrace (2,500 sqft built-up, 3,171 sqft land) at S$1,734 psf.[2][3]

Terrace Houses: S$1.3M-S$4M (S$1,333-S$2,619 psf)
Corner Terraces: S$3.5M-S$16M (S$1,400-S$3,016 psf)
Semi-Detached: S$4M-S$8M+ (S$1,731-S$2,356 psf)

Prices as of early 2026; verify latest via Homejourney. Browse available units or see detailed price trends.[7]

Financing Your Golden Hill Estate Purchase

Homejourney prioritizes your safety with transparent financing tools. Use our mortgage calculator to estimate affordability for Singapore condo for sale alternatives or landed like Golden Hill Estate.

Loan-to-Value (LTV) Limits and Down Payments

For private properties like Golden Hill Estate:

First-time buyers: Up to 75% LTV (25% down payment)
Second property: 45% LTV (55% down payment)
CPF Ordinary Account funds can cover up to your available balance; cash for the rest.

Example: S$5M unit requires S$1.25M down (25%). At 3% interest (30-year tenure), monthly repayment ~S$16,000. Rates from major banks average 2.8-3.5% as of 2026—check Bank Rates for updates.

ABSD Considerations for Buyers

Additional Buyer's Stamp Duty (ABSD):

Singaporean PR/first-timer: 0%
Second property (Singaporean): 20%
Foreigners: 60% (on residential landed)

For a S$5M Golden Hill Estate unit, second-time Singaporean ABSD = S$1M. Homejourney verifies eligibility to avoid surprises. See related: Golden Hill Estate Price Trends 2026: D19 Market Analysis by Homejourney .

CPF Usage and Total Debt Servicing Ratio (TDSR)

Max 55% TDSR applies. CPF can fund down payments and monthly installments (up to accrued interest). For investors, rental yields ~1.5% support financing (S$7K-S$12.5K/month).[1][3] Pro tip: Allocate CPF strategically for tax relief.

Step-by-Step Buying Process with Financing

Check Affordability: Use Homejourney's mortgage calculator.
Secure HLE/IPO: Obtain Home Loan Eligibility (HLE) letter from HDB (even for private) or In-Principle Approval from banks.
Option to Purchase: Pay 1% option fee; negotiate based on URA data.
Apply for Loan: Submit within 1-3 weeks; banks assess TDSR.
Exercise Option & Pay Deposits: 4% + 1% within 14 days.
Legal Completion: 8-12 weeks; pay stamp duties.

Timeline: 2-4 months total. Homejourney agents guide you—schedule a viewing.

Location & Lifestyle Boosting Investment Value

Golden Hill Estate enjoys excellent connectivity: 7-min walk (492m) to Lorong Chuan MRT (CC14).[6] Nearby schools: Zhonghua Primary (1km), Rosyth School. Amenities: NTP+ mall, Serangoon NEX (10-min drive). D19's growth enhances property investment potential.[7]

Post-purchase, maintain value with Aircon Services . Read Golden Hill Estate For Sale: D19 Li Hwan Drive Units | Homejourney for units.

Investment Potential and Rental Yields

Average psf S$1,886-S$2,035 (last 12 months); historical highs S$2,500 psf.[3] Yields 1.5%, with demand from expats near MRT. Future upside from D19 infrastructure. Compare via project analysis.

FAQ: Golden Hill Estate Financing

Q: What's the typical home loan rate for Golden Hill Estate in 2026?
A: 2.8-3.5% fixed for first 2-3 years; use Homejourney's tool for personalized quotes.

Q: Can foreigners buy Golden Hill Estate landed?
A: Yes, but 60% ABSD applies. Homejourney verifies compliance.

Q: How much down payment for a S$4M terrace?
A: 25% (S$1M) for first-timers; CPF + cash. TDSR caps at 55%.

Q: Are there units under S$2M?
A: Smaller terraces start ~S$1.4M. Search here.

Q: Link to broader guides?
A: See Golden Hill Estate Unit Types & Size Guide | Homejourney for layouts.

Homejourney ensures a trusted buying journey. Start your Golden Hill Estate home loan and financing guide today—browse listings, calculate payments, and connect with verified agents for D19 properties.